The Santander Auto Finance Full Spectrum program gives you options when trying to meet the needs of your customers. From prime to subprime, we can help. Listen as Michelle Gonzalez, from Silver Star Mercedes, tells you how SAF has made a difference in her sales.

Full Script Below:

Michelle Gonzalez: I’ve worked with Santander um pretty much in the last three dealerships that I’ve worked in. I’ve worked with them directly for over ten years. Santander has helped us a lot because we always needed something for the middle of the road. Um client, uh little bit less of a bank fee, something that we can um deliver without as much paperwork and stipulations on the deal. So it has really helped us have that niche um in a market that was hard for us to compete with because either you had to have a client who was superior and A Plus credit or Drive really catered more to the real sub-prime market …um person who really needed to reestablish. So this is nice to have that option to have a little bit of something for everybody. You know it’s really all about having the tools that you need, having the product that you need, having people…um present the product in an efficient way. If you tell your customer you are going to give them something, you have to provide what you told them. I’ve noticed with Santander that when a customer is given that option and we have a little bit more room, a lower fee, we can satisfy the customer easier because they can get more car for the money and not have to worry about such a high interest rate and a higher bank fee and things like that, like the, like a lot of the other sub-prime banks do… um have. So all around, it’s… it’s…it’s been a great tool for myself and it’s really helped us in the service department. Getting people in on pre-owned cars, they come back for service, and also with the pre-owned inventory, and also selling a lot more pre-owned cars than we did before. Everyone wants to drive a Mercedes. It doesn’t matter what their financial situation is or their credit situation is, if they can get a Mercedes, that’s what their goal is in life, but not everyone can afford a new one…uh but that’s why we have a nice certified pre-owned inventory and you can you know get a 2007 or a 2008 beautiful E Class or C Class, whatever it is to fit your budget with the help of a bank like Santander. We can put it all together. There’s no reason why a customer who’s had some issues in the past, has to drive an unreliable junky car. We should be able to give them something you know that they’re proud of. They are actually you know a little bit more um capable of making the payments on something that they like. They feel better about it and it makes them work harder to make sure they do make the payments when they are driving a product that they love, as opposed to the dealership just throwing them into something they can get approved. And that’s how you get repos and you get people that give up on their payments because they have problems with the car and they don’t really love it. They don’t want to pay for it. You know they just give up. Um she fell behind in her credit and her credit rating. We had a deal with Santander last week for a customer that had some health issues in the past. And recently we put her into an ML and she bought a pre- owned ML. She’s making her payments. She’s reestablishing her credit. She’s a single mother, so she has children. She needed an SUV. And it worked out great. She’s called me. She thanked me. She came by the dealership and thanked everyone. So it’s…it’s….nice that you know they’re not feeling like we are just forcing them into whatever car that can get bought at twenty- four percent or so-you know- it’s, there’s a little bit more flexibility now, which is helping me a lot to provide a better service to my customers.